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Golden 1 Credit Union · 11 hours ago

Card Investigations - Card Investigations Technician II

Sacramento, CA

Full-time

Onsite

Entry, Mid Level

$21.01/hr - $25/hr

2+ years exp

Golden 1 Credit Union is seeking a Card Investigations Technician II to handle the investigation and resolution of fraudulent activity related to debit and credit card transactions. The role involves researching member activity, adhering to Visa regulations, and ensuring a positive member experience throughout the fraud reporting process.

BankingFinanceFinancial Services

Responsibilities

Responsible for ensuring all processing procedures related to card fraud are completed accurately. claims. Creating and maintaining a positive and informative member experience when verifying or taking a report of fraud

Identify, investigate, and respond to and/or resolve all card fraud or dispute claims and matters. Research/review documents for submission of fraud and dispute claims

Establish oral and written communications with VISA, merchants, processors, law enforcement, and members, as necessary. Report/escalate any potential issues

Resolve member/branch issues and related service concerns and report/escalate any potential issues that may affect credit union assets or member satisfaction. This includes resolving Branch/Department/MSCC phone calls and emails in a timely manner

Provide relevant information from uncovered fraud accounts to other business units and investigating authorities

Collects, evaluates, and documents all evidence obtained during an investigation for recovery. Order retrievals and provide documentation required for charge backs as needed ensuring text is precise according to Visa rules

Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to position

Comply with all established internal audit, security and credit union rules, regulations and departmental procedures. Maintain knowledge with updated credit card regulations or procedures through emails, publications, online resources, and procedure changes

Perform charge backs to assist in the recovery of fraudulent or disputed transactions based on appropriate fraud or dispute codes as outlined by VISA regulation. Maintain knowledge of Visa Dispute Resolution yearly revisions every April and October

Process reimbursements to member accounts as appropriate with notification based on Regulation Z and E as required

Update notes and information on all Claims systems; maintain call records and adjustment maintenance information

Research member inquiries/complaints on claim

Follow-up and respond to merchant rebuttals. Review and process the exception and acceptance queues

Perform additional duties as necessary to maintain daily operations

Qualification

Visa regulations knowledgeCredit Union policies knowledgeFraud investigation skillsBasic Excel skillsEffective communication skillsMultitasking abilityPC knowledgeOrganizational skillsAttention to detailTeamwork capability

Required

Successful completion of High School curriculum

2+ years of relevant experience

Ability to effectively communicate results to members, acquirer, and or merchants and meet mandatory time frames

Knowledge of Credit Union products, services, policies & procedures

Operating knowledge of Visa regulations and Federal/State Regulations specific to debit/credit cards

Good organizational skills, including the ability to prioritize daily activities and multi-task to complete assignments

High attention to detail in working and investigating files with emphasis on deadlines

Effective oral and written communication skills

Able to effectively multitask in a fast-paced environment

Basic Excel skills

Knowledge to operate facsimile machine, ten key, microfiche, electronic banking equipment; basic PC knowledge of Windows environment, and office filing logic

Must be self-motivated and capable of working both independently as well as in a team environment